Maine Long-Term Care Insurance Partnership Program


The Maine Long-Term Care Insurance Partnership Program is a partnership between MA and long-term care insurance companies, it was developed to encourage residents of Maine to purchase LTC insurance.

Individuals who purchase a qualifying Long-Term Care Partnership Policy can apply for MaineCare (Maine's Medicaid) under special rules for determining financial eligibility and estate recovery. These specials rules provide asset protection on a dollar-for-dollar basis. For every dollar that the insurance company pays out in benefits, is a dollar of your personal assets that will be protected if you need to apply for MaineCare.

For a policy to qualify for a Partnership Policy is must follow these requirements:

  • --Be issued after July 1, 2009
  • --Cover an individual who was an Maine resident when coverage first becomes effective under the policy
  • --Be a tax-qualified policy
  • --Meet consumer protection standards
  • --Meet the following inflation requirements:
    •     --Age 60 and younger: Compound inflation required
    •     --Age 61-75: Some form of inflation is required
    •     --Age 76+: No inflation required

The average costs of care on a daily basis in the state of ME are listed below:

Homemaker Services
Home Health Aide
Adult Day Care
Assisted Living Facility
Nursing Home, Private Room
Nursing Home, Semi-Private Room

*This information came from the Genworth 2012 Cost of Care Survey.

For further information on the Maine Long-Term Care Partnership Program, click here.